One is to say that the government want to protect people against themselves, to make sure they can withstand significant financial losses.

Another explanation is that those who match these conditions (I'd guess about 2% of the population) have successfully lobbied the government to maintain their advantage against the remaining 98%.

I do not understand why people downvote when I just say out loud the less palatable alternatives views. It seems to me we are not considering all the possibilities there.